Tower Gold Card Disclosures

*Credit Card APR – Annual Percentage Rates effective: 12/4/2020 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.


Foreign Transaction Fee of 1.10% per purchase.


2Balance Transfer Fee subject to promotional details.

Tower Empower Card Disclosures

*Credit Card APR – Annual Percentage Rates effective: 12/4/2020 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.


2Balance Transfer Fee subject to promotional details.


3Empower Mastercard Balance Transfer Intro APR –The 0% Introductory Annual Percentage Rate (APR) is for balances transferred from another lender within the first 60 days of account opening and applies for six (6) months from the date of the transfer. Balance transfer fee is 2.50% of the amount of each transfer. After that, the Standard APR will be 7.99%-17.99%. Range of Rates effective: 7/01/2020 and vary with the market based on the Prime Rate. Empower Mastercard Variable Rate- The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified as the ‘Prime Rate’ in the ‘Money Rates’ column of the Wall Street Journal increases or decreases. The APR will be equal to the Prime Rate in effect the first business day of the month preceding the rate change plus a margin of 4.74% – 14.74%. The interest rate can change quarterly in the first credit card cycle that occurs in the quarter following the rate change. The APR will never be more than 17.99%. Any increase may lengthen the time it takes to pay off your balance.

4The $50 will appear as a statement credit after the three-month introductory period.

5Foreign Transaction Fee of 1.00% per purchase.

Tower World Card Disclosures

*Credit Card APR – Annual Percentage Rates effective: 12/4/2020 and are subject to change. Rates and credit lines based on creditworthiness and qualifications.


World Card Intro APR – The 1.99% Introductory APR is for 12 months as of account opening. After that, the Standard APR will be 10.99%-17.99%. Range of Rates effective: 12/4/2020. This APR will vary with the market based on the Prime Rate. Variable Rate World Mastercard: The Annual Percentage Rate(APR) may increase or decrease if the highest rate of interest identified as the ‘PrimeRate’ in the ‘Money Rates’ column of the Wall Street Journal increases or decreases. The APR will be equal to the Prime Rate in effect the first business day of the month preceding the rate change plus a margin of 7.74% – 12.74%.The interest rate can change quarterly in the first credit card cycle that occurs in the quarter following the rate change. The APR will never be more than 17.99%. Any increase may lengthen the time it takes to pay off your balance.

^The Intro Cash Back offer will appear as 10,000 bonus points added to the myTowerRewards account after the 3 month introductory period and can be redeemed for cash back.

1For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.


2Balance Transfer Fee subject to promotional details.